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The bank, which pushes a message of "helpful" and "hassle-free" banking in its marketing - has been dealing with customer complaints since the early hours of Friday morning.

It's safe to say people are less than impressed.

"People stuck at petrol stations, at the tills with full trollies, kids with mental health issues being turned down for days out, people lost wages cause they can't get work ... it's disgusting how people are struggling," one customer told Mirror Money.

Others are worried about what will happen if their payments don't go through.

"I've already had a txt advising my credit rating will be affected as they were unable to collect my payment," Carrie tweeted.

"If my credit file gets tarnished because of this I can guarantee a major complaint will be going in once again!!"

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As an online bank, customers can't head to a branch to withdraw cash if the systems go down - and while there is a help number, people are struggling to get through.

"50 minutes on hold to be told my money should be available but it's not. Sick to the back teeth of this bank now," Chris wrote on Twitter.

Another wrote: "30-45 minute wait to get a hold of thinkmoney anyone else having a problem. Best mates funeral and my new bank on today of all days mess things up and we are meant to be paying for this service?"

The good news is that customers shouldn't lose out - at least financially - as a result of technical problems.

" From bouncing payments to businesses going bust, if a bank or financial firm makes an error and you lose out, you can and should expect to be put back in the position you would have been had the error not occurred - at the soonest opportunity," Martyn James from complaints resolution service Resolver.co.uk told Mirror Money.

"This is not open for debate, these are the rules."

A spokesman from thinkmoney told the Mirror: “Unfortunately some of our customers’ credits were delayed this morning.

"We can confirm that an SMS has been sent to all affected customers to let them know that credits are now in their account, they can access their money as normal and all that their regular payments will be paid.

"We are sorry for any inconvenience that this has caused and we continue to assist those customers affected.”

How to contact thinkmoney

Customers can get in touch by calling 0161 779 5000, or + 44 161 779 5000 for those outside of the UK.